IFSC Code of IDBI Bank, National Urban Cooperative Bank Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to IDBI Bank's NATIONAL URBAN COOPERATIVE BANK branch in PRATAPGARH, UTTAR PRADESH. The branch's IFSC code IBKL01870N1 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For IDBI Bank's NATIONAL URBAN COOPERATIVE BANK branch, the IFSC IBKL01870N1 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 1870N1 identifies this particular branch.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The National Urban Cooperative Bank branch — IFSC IBKL01870N1 — extends the bank's services to customers in and around Pratapgarh, Uttar Pradesh.

About this branch

The branch is located at 55-55 1 HADIGANJ PRATAPGARH UTTAR PRADESH-230001. It serves the Pratapgarh region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL01870N1 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every IDBI Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including NATIONAL URBAN COOPERATIVE BANK of IDBI Bank — its own 11-character IFSC. The code IBKL01870N1 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IBKL01870N1 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the National Urban Cooperative Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL01870N1 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC IBKL01870N1

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IBKL01870N1 across all three.

How to use IFSC IBKL01870N1 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's NATIONAL URBAN COOPERATIVE BANK branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IBKL01870N1.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as NATIONAL URBAN COOPERATIVE BANK.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to NATIONAL URBAN COOPERATIVE BANK

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's NATIONAL URBAN COOPERATIVE BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL01870N1 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank NATIONAL URBAN COOPERATIVE BANK (IFSC IBKL01870N1)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL01870N1 in your mobile or internet banking app, and the money is credited to the NATIONAL URBAN COOPERATIVE BANK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to National Urban Cooperative Bank

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IBKL01870N1:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at NATIONAL URBAN COOPERATIVE BANK is still linked to IFSC IBKL01870N1.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at IDBI Bank's NATIONAL URBAN COOPERATIVE BANK branch, the IFSC IBKL01870N1 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the National Urban Cooperative Bank branch is mapped to IFSC IBKL01870N1 on the RBI payments network. The branch generally supports the full retail product catalogue of IDBI Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains IBKL01870N1.

Products and services

Customers walking into the National Urban Cooperative Bank branch can access most of IDBI Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC IBKL01870N1

Digital banking channels

Most day-to-day work that customers used to do at the National Urban Cooperative Bank branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IBKL01870N1 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The National Urban Cooperative Bank branch sits at 55-55 1 HADIGANJ PRATAPGARH UTTAR PRADESH-230001. If you are travelling from outside Pratapgarh, search for the branch on a maps application using the bank name and locality, or call 91-9839446600 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IBKL01870N1 and your account number.

Common mistakes to avoid when using IFSC IBKL01870N1

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to IDBI Bank – NATIONAL URBAN COOPERATIVE BANK, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: IBKL01870N1.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The National Urban Cooperative Bank branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL01870N1, however, work 24x7.

Verifying IFSC IBKL01870N1 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IBKL01870N1 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9839446600.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL01870N1 belongs to IDBI Bank's NATIONAL URBAN COOPERATIVE BANK branch, located at 55-55 1 HADIGANJ PRATAPGARH UTTAR PRADESH-230001 in PRATAPGARH, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.